Motor Insurance

New India Assurance Private Motor Insurance Policy can be tailor-made for any private vehicle to get insurance. This policy by New India Assurance Motor Insurance covers Own Damage motor insurance and also, Third Party liability insurance. These categories of motor insurance from New India Assurance help motor owners in case of any accident or mishap.

Inclusions of New India Motor Insurance Claims for motor insurance from New India Assurance are applicable on all types of commercial vehicles and two wheelers. Damage or loss to the insured motor and/or its accessories caused due to any of these natural and manmade disasters can be claimed against motor insurance from New India Assurance:

  • Flood
  • lightning
  • storm
  • hurricane
  • typhoon
  • cyclone
  • fire
  • explosion
  • Earthquake
  • rockslide
  • landslide
  • Burglary
  • theft
  • housebreaking
  • Riot and terrorist activities
  • Malicious acts
  • Accidental external means
  • Loss or damage in transit by road
  • elevator
  • waterway or air

Exclusions of New India Motor Insurance

  • Wear and tear
  • breakdowns
  • Consequential loss
  • Loss when driving with invalid driving license or
  • under the influence of alcohol.
  • Loss due to war, civil war, etc.
  • Claims arising out of contractual liability.

Types of coverage

  • Fire, explosion, self-ignition or lightning
  • Burglary, housebreaking or theft.
  • theft
  • Riot and strike
  • Malicious acts
  • Terrorist acts
  • Earthquake (fire and shock) damage
  • Flood, typhoon, hurricane, storm, tempest
  • inundation, cyclone and hailstorm
  • Accidental external meansWhilst in transit by road, inland
  • waterway, lift, elevator or airBy landslide/rockslide


This policy is mandatory by the Motor Vehicle Act, 1988, it is provided by car insurance from New India Assurance that covers any injuries or property damages to the third party. Liability is covered for an unlimited amount in cases of death or injury, and damage to third party property for Rs. 7.5 lakhs.

Owner-driver, passenger and paid driver personal accident cover: The Owner-driver personal accident cover of sum insured of Rs. 2 lakhs in case of permanent total disability or an accidental death is covered with a premium of Rs. 100